Lender in New Jersey · HMDA 2025
Provident Bank mortgages in New Jersey
Provident Bank's 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Provident Bank originated 361 owner-occupied single-family loans in New Jersey from 411 completed applications.
Its median conventional purchase loan costs were $5,260 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.00% (New Jersey: 6.625%).
Loans in NJ
361
of 411 applications
Denial rate
7.7%
Purchase · NJ 8.4%
Rate spread
−0.51 pts
Conv. · NJ +0.12 pts
Loan amount
$465,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 310 | 284 | 7.7% | 6.000% | −0.51 pts | $5,260 | $465,000 |
| Refinance | 18 | 17 | — | — | — | — | — |
| Cash-out refinance | 83 | 60 | 24.1% | — | +0.47 pts | $0 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Provident Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Union County | 23 | 47 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology